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Fast Track HELOC
Up to $75,000 in as Little as 7 Days

When a major expense hits—like a roof repair, tuition, or medical bill—you need funds fast. Fast Track HELOC from First Financial gives you access to up to $75,000 in as little as 7 days, with no closing costs and no annual fees. It’s fast, simple, and backed by a team you trust.

Apply Today

Urgent Expense? You Don’t Have to Wait.

You’ve got a plan. A project. A problem to solve. But delays, red tape, and fees only add stress. If you’re a qualified homeowner with a 700+ credit score, First Financial’s Fast Track HELOC gives you the funds you need—in as little as 7 days—so you can take the next step with confidence. 

Fast Is Just the Start. 

We’re not just fast—we’re thorough, transparent, and always on your side. Since 1834, First Financial has helped families and communities stay financially secure through life’s big moments. 

Up to $75,000 in as little as 7 days 

Rate Discount with Auto-Deduct

No Closing Costs or Annual Fees

Dedicated Support

What You’ll Need to Get Started

To keep things moving quickly, gather these documents before you apply: 

  • Proof of income 
  • Current homeowners insurance 
  • Recent property tax bill and deed (if available) 
  • Current mortgage statement 
Apply Today

A Week Can Change Everything

Delaying your project could mean higher costs, mounting stress, and lost opportunities. But when you act today, you could have the funds in as little as 7 days. That’s real progress. 

Apply Online or in Person

Fast Track HELOC-Steps 1-Apply Today

Receive Your HELOC Funds

Fast Track HELOC-Step 3-Apply Today

Get Up to $75,000—Fast 

Apply now and get the funds you need in as little as 7 days.

* A maximum of $50,000 applies to First Mortgages. A $75,000 maximum applies to Second Mortgages. Certain income types cannot be validated appropriately within this timeframe and are ineligible. Collateral must be owner-occupied. Final loan-to-value must fall below 70% for First Mortgages or fall below 90% for Second Mortgages. Maximum debt-to-income ratio of 30% for First Mortgages or 35% for Second Mortgages. Promotion valid in IN, IL, KY, TN, and GA. This closing timeframe cannot be guaranteed in Kentucky, due to state requirements regarding title work. If eligible for this product, title work will be expedited, but your closing date will likely exceed 7 business days to credit approval. Payment must be auto-deducted from a First account to receive .25% discount. Subject to credit approval. Other conditions or restrictions may apply. Member FDIC Equal Housing Lender NMLS #401915

Sample payment example: If you are approved for a $10,000 loan at 10% APR for a term of 60 months, you will pay $212.47 a month, and a total of $12,748.23 over the 60-month life of the loan.

First Financial will waive closing costs for originations on Home Equity Lines of Credit. Taxes and other fees may still apply in certain jurisdictions.